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Federal Subsidized Stafford Loan

Federal Subsidized Stafford Loans are need-based; therefore, students must demonstrate financial need to be eligible. That need is indicated on the Student Aid Report (SAR), which is the result of applying for financial aid.

These loans are called "subsidized" because the government pays the interest while you are in school. If you take out one of these loans, the federal government pays the interest while you are either in school or in any other declared deferment status.

First year students (0 to 29 credit hours) may borrow up to $3,500. Second year students (30 or more credit hours) may borrow up to $4,500.

 

Dependent Students

Level

Base Amount

Additional unsubsidized loan amount

In ALL College Level Courses

 

Freshman

3500

None except to replace sub eligibility only

Sophomore

4500

None except to replace sub eligibility only

If Courses Below 1000 Level

 

Freshman

3500

No unsubsidized is available

Sophomore

4500

No unsubsidized is available

If In Coordinated Entry Program

 

Freshman

3500

2000 (or to replace sub eligibility up to max annual 5500)

Sophomore

4500

2000 (or to replace sub eligibility up to max annual 6500)

Independent Students

Level

Base Amount

Additional unsubsidized loan amount

In ALL College Level Courses

 

Freshman

3500

4000 (or to replace sub eligibility up to max annual 7500 unsub)

Sophomore

4500

4000 (or to replace sub eligibility up to max annual 8500 unsub)

If Courses Below 1000 Level

 

Freshman

3500

No unsubsidized is available

Sophomore

4500

No unsubsidized is available

If In Coordinated Entry Program

 

Freshman

3500

6000 (or to replace sub eligibility up to max annual 9500)

Sophomore

4500

6000 (or to replace sub eligibility up to max annual 10500)